> For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://docs.credit.aarthiklabs.com/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.credit.aarthiklabs.com/_mcp/server. # Overview > Understand the Aarthik Labs credit journey across Hosted and Hybrid experiences. Aarthik Labs helps your product offer complete digital credit journeys without building every lender integration, borrower screen, operational workflow, and post-disbursal action from scratch. The platform supports the full borrower lifecycle: profile capture, lender discovery, offer fetching, Account Aggregator consent flows, offer presentation, lender-driven KYC and agreement steps, status tracking, disbursement, collections actions, and issues & grievances management. You can expose this journey through either [Hosted Experience](/documentation/hosted-experience/overview) or [Hybrid Experience](/documentation/hybrid-experience/overview). Both experiences use the same underlying credit platform. The difference is how much of the borrower-facing journey your product owns directly. ## Journey At A Glance ```mermaid flowchart TD A["Borrower starts credit journey"] --> B["Borrower profiling"] B --> B1["Personal, work, address, end-use, consent"] B --> B2["Collateral details for Gold Loan"] B1 --> C["Submit profile to eligible lenders"] B2 --> C C --> D["Fetch lender offers across the network"] D --> E{"Account Aggregator required?"} E -->|Yes| F["Handle AA consent and bank-account data flow"] F --> G["Fetch AA-based offers"] E -->|No| H["Proceed with available offers"] G --> I["Show transparent offer details and provisional KFS"] H --> I I --> J["Borrower selects offer"] J --> K["Lender-driven E-KYC, E-Mandate, and E-Sign"] K --> L["Track status until disbursement"] L --> M["Post-disbursal servicing"] M --> N["Foreclosure, pre-part payment, missed EMI payment"] M --> O["Issues & Grievances Management"] ``` ## What The Journey Includes | Stage | What Aarthik Labs supports | Why it matters | | ------------------------------ | --------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------ | | Borrower profiling | Capture or receive personal, work, address, end-use, consent, and product-specific details. Gold Loan journeys can also include collateral details. | Gives lenders the information required to evaluate the borrower and reduces repeated data entry. | | Eligible lender submission | Submit the borrower profile to eligible lenders across the network. | Lets one borrower journey reach multiple lender integrations through a common platform. | | Offer fetching | Fetch offers from lenders across the network and keep the journey moving as lender responses arrive. | Helps borrowers compare available options instead of being locked into a single lender path. | | Account Aggregator | Handle consent for bank-account information through the Account Aggregator flow and fetch AA-based offers when required. | Enables richer lender evaluation where bank-account data is needed for underwriting. | | Offer presentation | Show complete offer details, charges, repayment information, and provisional Key Facts Statement (KFS) transparently to the borrower. | Builds borrower trust and supports informed offer selection. | | Lender execution | Continue through lender-driven E-KYC, E-Mandate, and E-Sign flows. | Lets lenders complete regulated downstream steps inside their own required flows. | | Status tracking | Track offer and journey status from journey start through disbursement. | Helps your product, support teams, and operations teams understand where the borrower is. | | Post-disbursal servicing | Support foreclosure, pre-part payment, and missed EMI payment flows when available for the lender and loan. | Gives borrowers important repayment actions after disbursement. | | Issues & Grievances Management | Let borrowers raise and track issues and grievances from the journey. | Provides an operational support layer across borrower journeys. | ## Borrower Profiling Borrower profiling is the first major part of the journey. The platform can work with minimal pre-fill, but richer pre-fill usually gives the borrower a smoother experience and gives lenders better evaluation context. The profile can include: * personal details * work and income details * current and permanent address details * loan end-use * borrower consent * collateral details for Gold Loan journeys In [Hosted Experience](/documentation/hosted-experience/overview), your back-end can pass minimal or extended pre-fill while Aarthik Labs owns the borrower-facing capture screens. In [Hybrid Experience](/documentation/hybrid-experience/overview), your product can own the profile capture UI and submit the profile through the Hybrid APIs. Read [Request & Prefill Model](/documentation/hosted-experience/request-prefill-model) for the documented Personal Loan and Gold Loan pre-fill shapes. Read [Buyer-Supplied Bureau Data](/documentation/common/buyer-supplied-bureau-data) if your application already has borrower-authorized bureau data. ## Offer Discovery And Selection After borrower profiling, the platform submits the borrower profile to eligible lenders across the network and fetches available offers. Offers can come from standard lender evaluation as well as Account Aggregator based evaluation when bank-account consent is required. ```mermaid sequenceDiagram participant Borrower participant Product as Your Product participant Aarthik as Aarthik Labs Platform participant AA as Account Aggregator participant Lenders as Lender Network Borrower->>Product: Starts Personal Loan or Gold Loan journey Product->>Aarthik: Create or resume borrower journey Aarthik->>Lenders: Submit eligible borrower profile Lenders-->>Aarthik: Return offers or next actions opt Bank-account consent required Aarthik-->>Product: Return AA action or hosted AA step Borrower->>AA: Provide consent for bank-account data AA-->>Aarthik: Consent and financial information flow completes Aarthik->>Lenders: Re-fetch AA-based offers end Aarthik-->>Product: Offers, statuses, or hosted handoff URL Product-->>Borrower: Show offers or open Hosted Experience ``` Borrowers should see offer information transparently. The journey should make it clear what the offer amount, tenure, pricing, charges, repayment expectations, and provisional Key Facts Statement (KFS) look like before the borrower commits to a lender path. For Hybrid integrations, read [Account Aggregator Flow](/documentation/hybrid-experience/account-aggregator-flow), [Integrations Guide](/documentation/hybrid-experience/integrations-guide/overview), and [Hosted Handoff](/documentation/hybrid-experience/hosted-handoff). ## Lender Execution Once a borrower selects an offer, lender-specific downstream steps can begin. These may include: * E-Know-Your-Customer (E-KYC) * E-Mandate * E-Sign * lender redirects or lender-owned confirmation steps These steps are driven by the lender's required flow. Aarthik Labs keeps the borrower journey connected while preserving the lender-specific execution requirements behind each offer. In Hosted Experience, these steps happen inside the hosted borrower surface. In Hybrid Experience, the borrower is handed off into the Hosted Experience after offer selection so Aarthik Labs can complete the selected-offer execution path. ## Status Tracking And Web-Hooks The platform tracks journey and offer status from the start of the journey through disbursement. Your back-end should subscribe to web-hooks so your product and operations teams can stay updated without relying only on front-end state. Use [Web-Hooks](/documentation/web-hooks-v-1) to understand lifecycle updates, or use the API Reference to [read configuration](/api-reference/web-hooks/read-application-web-hook-configuration), [subscribe](/api-reference/web-hooks/subscribe-application-web-hooks), and [un-subscribe](/api-reference/web-hooks/unsubscribe-application-web-hooks). ## Post-Disbursal Servicing Aarthik Labs also supports borrowers after disbursement. These flows are part of the hosted borrower surface and are available to both Hosted and Hybrid experiences. ```mermaid flowchart LR A["Disbursed loan"] --> B["Borrower servicing"] B --> C["Collections & repayment actions"] C --> C1["Foreclosure"] C --> C2["Pre-part payment"] C --> C3["Missed EMI payment"] B --> D["Issues & Grievances Management"] D --> D1["Issue raised"] D --> D2["Processing"] D --> D3["Resolved or closed"] ``` Collections actions such as foreclosure, pre-part payment, and missed EMI payment are lender-dependent. When the lender supports them for a loan, the borrower can complete those actions through the hosted surface. Issues & Grievances Management is available across offline and online journeys for Personal Loan and Gold Loan. It helps borrowers raise issues and track statuses such as `PROCESSING`, `RESOLVED`, and `CLOSED`. Read [Hosted Post-Disbursal Servicing](/documentation/hosted-experience/post-disbursal-servicing/overview) or [Hybrid Post-Disbursal Servicing](/documentation/hybrid-experience/post-disbursal-servicing/overview) for the detailed module documentation. ## How Hosted And Hybrid Differ Both experiences can use the same platform capabilities. The difference is ownership of the borrower-facing surface. | Capability | Hosted Experience | Hybrid Experience | | ---------------------------- | --------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------- | | Product availability | Your back-end can read available credit products before opening the journey. | Your back-end can decide what product flow to start based on your own UI and application logic. | | Borrower profiling | Aarthik Labs owns the borrower-facing capture screens. Your back-end can pass pre-fill. | Your product can own profile capture and submit borrower data to Aarthik Labs APIs. | | Lender submission and offers | Aarthik Labs handles lender submission and offer progression inside the hosted journey. | Aarthik Labs handles lender orchestration while your product can own offer wait states and offer display before handoff. | | Account Aggregator | Handled inside the hosted borrower journey when required. | Exposed as part of the Hybrid flow so your product can guide the borrower into the AA step and continue polling for offers. | | Offer selection | Aarthik Labs owns the hosted offer selection flow. | Your product can own offer selection, then request a Hosted handoff URL for downstream execution. | | E-KYC, E-Mandate, E-Sign | Completed inside Hosted Experience. | Completed after handoff into Hosted Experience. | | Status tracking | Web-hooks and hosted state keep your systems updated. | API polling, Hosted handoff, and web-hooks keep your systems updated. | | Post-disbursal servicing | Available inside Hosted Experience. | Available inside the hosted handoff surface used by Hybrid. | ## Start With The Right Surface | Need | Start here | | ----------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------- | | Fastest way to launch the complete journey | [Hosted Experience](/documentation/hosted-experience/overview) | | Back-end-created embeddable URL | [Hosted Quickstart](/documentation/hosted-experience/quickstart) and [Create Embeddable URL API](/api-reference/hosted-experience/create-hosted-session) | | Own borrower onboarding and offer selection in your product | [Hybrid Experience](/documentation/hybrid-experience/overview) | | Understand AA consent and AA-based offer fetching | [Account Aggregator Flow](/documentation/hybrid-experience/account-aggregator-flow) | | Receive lifecycle updates on your back-end | [Web-Hooks](/documentation/web-hooks-v-1) | | Read exact request and response contracts | [API Reference](/api-reference) | For most teams, start with Hosted Experience if speed-to-market is the priority. Choose Hybrid Experience if your product needs to own borrower acquisition, profile capture, offer comparison, or offer selection before Aarthik Labs takes over lender-specific execution.